Systems, methods, and apparatus for receiving images of one or more checks

ABSTRACT

Images of a plurality of checks to be presented for payment may be captured through the use of a check sleeve. The check sleeve includes check-holding mechanism to hold one or more checks in place in the sleeve, and contains various types of markings or other features that allow an image of the sleeve to be oriented, and to allow the portion of the image that represents a check to be distinguished from portions of the image that do not represent a check. One or more algorithms may be used to distinguish check from non-check portions of the image, and to orient the image. The check sleeves may have one or more barcodes imprinted thereon, which may encode various types of information.

CROSS-REFERENCE TO RELATED APPLICATIONS

This application is related by subject matter to the inventionsdisclosed in the following commonly assigned applications, the entiretyof which are hereby incorporated by reference herein: U.S. patentapplication Ser. No. 11/935,584, and U.S. patent application Ser. No.11/935,599, each filed on Nov. 6, 2007, and each entitled “Systems,Methods, And Apparatus For Receiving Images Of One Or More Checks.”

BACKGROUND

When a check is to be deposited in an account, it has generally been thecase that the original physical paper check is presented for paymentthrough a banking system. However, technological and legal developments(e.g., the Check-21 law) have made it possible to present an image of acheck for payment in place of the physical paper check. With theavailability of this mode of presentment, one issue that arises is howto capture images of the checks to be presented.

It is possible to capture an image of a check with ordinary imagecapture technology, such as a scanner or digital camera. When such animage is captured, there are typically portions of the image thatrepresent part of a check, and excess portions of the image that do notrepresent part of the check. A process may be employed to determinewhich portions of the image represent the check(s) contained in theimage.

SUMMARY

A check sleeve, with space to hold one or more checks, may be used tocapture an image of a check. The checks sleeve may, for example, be madeof a flexible material, such as plastic, and may have mechanisms to holdone or more checks in place in one or more designated spaces. Forexample, the check sleeve may have a flap or corners that hold a checkin place during scanning. The type of flap or corners that are used maybe chosen to hold the check in place, while also allowing certain partsof the image to be captured without optical interference—e.g., by havingcutouts that directly expose the check in portions that are expected toundergo optical character recognition. The mechanism may also beconfigured to allow optical detection of the presence or absence of acheck within the sleeve.

Markings or other features may be incorporated into the check sleeve toassist in orienting an image of the check to the proper angle, or indistinguishing portions of the image that represent the check fromnon-check portions. For example, horizontal and vertical lines may beprinted on the check whose position on an image can be detected allowthe skew angle of the image to be determined and offset. Also, thebackground of the sleeve may be printed in a color or opacity that isexpected to contrast with the checks that are to be placed in thesleeve, thereby providing contrast that can be used to distinguish checkportions of the image from non-check portions. Additionally, one or morebarcodes can be printed on the sleeve that can encode information suchas the type of sleeve, the account number to which the checks are to bedeposited, or a digital signature.

A sleeve can be constructed that holds a plurality of checks—e.g., twoor three checks—thereby allowing plural checks to be scanned at the sametime. However, a sleeve that holds a single check can also beconstructed.

BRIEF DESCRIPTION OF THE DRAWINGS

FIGS. 1-3 are plan views of check sleeves demonstrating various examplecheck-holding mechanisms.

FIG. 4 is a perspective view of an example flap to hold a check in acheck sleeve.

FIG. 5 is a plan view of an example space on a sheet through which thefront of a check may be visible.

FIG. 6 is a plan view of a first example check sleeve design.

FIG. 7 is a plan view of a second example check sleeve design.

FIG. 8 is a plan view of an example check sleeve design that can be usedwith checks that are sized differently from personal checks.

FIG. 9 is a flow diagram of an example process of orienting a checksleeve.

FIG. 10 is a flow diagram of an example process of capturing andpresenting a check image for payment.

FIG. 11 is a block diagram of an example computing environment in whichexample embodiments and aspects may be implemented

DETAILED DESCRIPTION

Image of checks to be presented for payment can be obtained withordinary scanning equipment, such as a scanner or digital camera. Whensuch an image is to be obtained, a check sleeve can be used to assist inthe image capture. The sleeve can have markings that help to identifythe boundary of the check within the image, to orient the check image tothe proper angle, or to assist in obtaining images of plural checks in asingle capture. When an image is captured in this matter, algorithms canbe used to distinguish the portions of an image that represent the checkfrom the non-check portions, or to orient the image. Examples of suchsleeves and algorithms are described herein.

A sleeve to hold one or more checks in place for scanning can beconstructed. For example, such a sleeve could be constructed out of aplastic sheet, and the sheet could have one or more mechanisms to holdchecks in place. FIGS. 1-3 show example designs of sleeves. In order toshow various designs, each of the sleeves shown in FIGS. 1-3 shows threedifferent designs of the mechanism to hold a check in place. However, aproduction version of the sleeve may have one design replicated in aplurality of places on the sheet. Moreover, the sleeves shown in FIGS.1-3 show mechanisms to hold three checks in place, which may beappropriate for checks that have the size of a “personal” check.However, a sleeve could be constructed using similar design to holdlarger (e.g., business) checks in place. Such a sleeve might have spacefor two checks instead of three, and might use a landscape orientationof the checks instead of the portrait orientation shown in FIGS. 1-3.

Turning to the drawings, FIG. 1 shows an example of a check sleeve. Thesleeve depicted in FIG. 1 comprises a sheet of any type of material(e.g., plastic), and has spaces 102, 104, and 106 to hold three checksin place. In space 102, a flap 108 is attached to cover the area 109into which a check may be inserted. Flap 108 is attached along a singleedge 110. (Throughout FIGS. 1-3, the stipple pattern along an edgeindicates that two components are attached along the edge. Flap 108 andsheet 100 are examples of two components whose attachment can bedepicted in such a manner.) A check can be inserted between sheet 100and flap 108. Sheet 100 and flap 108 may be made of a material chosen tokeep a check in place through the resistive force of friction orelectrostatic interaction. Plastic is an example of a material that mayprovide the requisite resistive force to hold the check in place.

In space 104, a flap 112 is attached to cover the area into which acheck may be inserted. Flap 112 is attached along bottom edge 114. Inspace 106, a flap 116 is attached along top edge 118.

Each of the flaps 108, 112, and 116 shown in FIG. 1 is attached along asingle edge. However, the different positions of the attachment may havedifferent attributes as to their ability to hold a check in place,likelihood that the process of placing the check in a scanner bed willdislodge the check, and user convenience, and thus each placement of theflap represents a different design of the check-holding mechanism. Asnoted above, a production version of sheet 100 may have three spaces102, 104, and 106, each with the same check-holding mechanism—e.g., eachof the three spaces could have a flap attached along a short side, asdoes flap 108. However, in order to demonstrate the different mechanismcompactly, in the figures three different mechanisms are demonstrated onone sheet.

FIG. 1 depicts a sleeve as shown from the back—that is, if checks wereinserted into sleeve 100, the back of the check would be visible in theview shown in FIG. 1. (FIGS. 2 and 3 likewise depict the backs ofsleeves.) Most of the information on a check is contained on the frontand not the back. Thus, to the extent that a check-holding mechanisminvolves flaps, corners, etc. that are attached to the sheet, theseflaps, corners, etc. can be attached to the back of the sheet to preventthese items from interfering with capturing the image on the front ofthe check. This method of attaching the flaps, corners, etc., may resultin capturing a smoother, less flawed image of the front of the check.However, the flaps, corners, etc., may be attached to the sheet in anymanner, and on either side of the sheet.

An image or words may be attached to a flap. For example, flap 112 hasthe words “Insert Check Here” written on the flap. This image may beused as part of a process of detecting whether a check is present in aparticular space. For example, if the words “Insert Check Here” arevisible when the front of sheet 100 is scanned, this fact may indicatethat no check is present in space 104, a check that is placed betweensheet 100 and flap 212 would obscure those words when sheet 100 isviewed from the front. Any type of image or words may be written on aflap to facilitate this type of detection.

FIG. 2 shows another example of a check sleeve. The sleeve shown in FIG.2 comprises sheet 200. Like sheet 100 (shown in FIG. 1), sheet 200 maybe made of any type of material, such as plastic. Sheet 200 has spaces202, 204, and 206 to hold checks in place. FIG. 2 shows three types ofmechanisms for holding checks in place in each of the spaces 202, 204,and 206. In space 202, there is a flap 208, which is affixed to sheet200 along edges 210 and 212. In space 204, flap 214 is affixed to sheet200 along three edges 216, 218, and 220. A check is insertable betweenflap 214 and sheet 200 through the opening indicated by arrow 222, wherethe opening is along the edge of flap 214 that is not affixed to sheet200. In space 206, flap 224 is affixed to sheet 200 along three edges226, 228, and 230. A check is insertable between flap 224 and sheet 200through the opening indicated by arrow 232, where the opening is alongthe edge of flap 224 that is not affixed to sheet 200. The openingbetween flap 214 and sheet 200 is along the top of flap 214, while theopening between flap 224 and sheet 200 is along the side of flap 224.These different positions of the openings represent different designs ofa check-holding mechanism.

FIG. 3 shows another example of a check sleeve. The check sleeve shownin FIG. 3 comprises a sheet 300. Sheet 300 has three spaces 302, 304,and 306 to hold checks in place. FIG. 3 shows three types of mechanismsfor holding checks in spaces 302, 304, and 306. In space 302, corners308, 310, 312, and 314 are each affixed to sheet 300. Each of corners308, 310, 312, and 304 may be formed of a material, such as plastic, andmay be affixed to sheet 300 at each of its edges. For example, corner308 is affixed to sheet 300 along its edges 316 and 318, and corners310, 312, and 314 are affixed to sheet 300 similarly. In the example ofFIG. 3, four corners are shown to hold a check in place, although one,two, or three corners could also be used.

In space 304, there is a flap 320, which is affixed to sheet 300 alongedge 322. Flap 320 has a notch 323, and is not as long as the length ofa personal check that would be held in place in space 304. Similarly, inspace 306, flap 324 is affixed to sheet 300 along edge 326. Flap 324 hasa notch 327. The notches 323 and 327 may assist the user of sheet 300 inhandling the flaps to insert the check. Additionally, to the extent thatthe back of a check would be placed along flaps 320 and/or 324, the factthat flaps 320 and 324 do not extend all the way across the check mayhelp to obtain a clear image of the endorsement on the back of thecheck. When a check is inserted between flaps 320 or 324 and sheet 300,it would be inserted with the endorsement toward what is depicted as theright-hand side of FIG. 3, so the flaps 320 and 324, due to their lengthas being less than the length of a check, would not cover theendorsement, and therefore would not introduce optical interference inscanning the endorsement. However, flaps 320 and 324 can be of anylength.

In addition to the check-holding mechanisms depicted in FIGS. 1-3, othervariations on the mechanisms are possible. For example, FIG. 4 shows anexample variation on the design of a flap. Flap 400 has a cutout 402 anda notch 404. Cutout 402 is shown as an ellipse, but could be any shape.Notch 404 is shown as extending slightly more than halfway across theflap, but could be of any length. Cutout 402 can be positioned in theplace where a check endorsement is expected to be located when a checkis placed in a sleeve that employs flap 400. To the extent that thematerial of which flap 400 is made (e.g., plastic) may have certainreflective and/or luminescent properties, these properties may result ina bright “orb” when the image is scanned with certain types of lightingequipment, and this bright “orb” may interfere with scanning anddetecting the endorsement. Leaving the area for the endorsement exposedthrough cutout 402 may avoid this type of lighting distortion. Tabs 406are components that can be melted during production of a sleeve to bindflap 400 to a sheet (such as the sheets 100, 200, and 300 shown in FIGS.1-3). In the example shown in FIG. 4, tabs 406 are positioned such that,if all were melted and used to affix flap 400 to a sheet, the flap wouldnot be retractable to insert the check. In this case, notch 404 could beused by a person to slightly pull back the flap in order to insert thecheck between flap 400 and a sheet. However, flap 400 could also beattached in such a way as to make it retractable (e.g., by using fewerthan all of tabs 406), in which case flap 400 could be retracted by theuser to allow the check to be inserted between the flap and a sheet.

To the extent that a bright “orb” can interfere with capturing an image,this problem can occur on the front of the check as well as the back.FIG. 5 shows an example of a sheet design that can be used to addressthis issue on the front of a check. Area 500 is an area of a sheet. Aspreviously described, when a check is inserted into a sleeve, the frontof the check is normally visible through the front of the sleeve. InFIG. 5, the area in which a check is to be inserted has cutouts 502 and504. Cutout 502 is where the Magnetic Ink Character Recognition (“MICR”)line of the check is expected to appear when the check is inserted, andcutout 504 is where the numerical amount for which the check is drawn isexpected to be written. These areas may be larger than the expectedareas of the MICR line and the check amount, in order to account forvariations in how the check is placed in the sleeve.

Turning now to other aspects of a check sleeve, FIGS. 6-8 are views ofvarious sleeves. Each of FIGS. 6-8 shows various features that may beused in a sleeve. However, the features shown can be used in anycombination or sub-combination. Although each of the sleeves in FIGS.6-8 depicts, by way of example, a certain combination of features, asleeve could employ all of the features shown, none of the featuresshown, some of the features shown, and/or other features.

In FIG. 6, sleeve 600 has areas 602, 604, and 606 where checks may beplaced. These areas may employ some of the mechanisms previouslydiscussed to hold a check in place in one of those areas. Sleeve 600 hashorizontal line markings 608 and 610, and vertical line markings 612 and613. Sleeve 600 also has horizontal line markings 614, 616, and 618.Markings 614, 616, and 618 may be of a relative thickness and lengththat is less than that of markings 608, 610, and 612. However, any linethickness may be used, and markings may have any dimensions (thickness,length, etc.) relative to each other. In the example shown in FIG. 6,there are two thick horizontal line markings, one thick vertical linemarking, and three thin horizontal line markings. However, any number ofline markings can be used. The various line markings may be with analgorithm to detect the orientation and position of the sleeve, and ofthe checks contained in the sleeve. However, markings may be used forany reason, and orientation and position of a sleeve and of checks canalso be detected using other mechanisms. Additionally, in one examplethe markings may have non-symmetrical features—e.g., the thin horizontalline markings 614, 616 and 618 may appear on one side of thesleeve—which may help an image processing mechanism to determine whetherthe view of the sleeve that is being scanned is the front or back of thesleeve.

Sleeve 600, in the example of FIG. 6, also has sequence numbers 620,622, and 624. These numbers may assist a user in determining the orderin which to place checks in the sleeve. The numbers may also beoptically recognizable, and may assist an image processing mechanism toidentify a particular check when the sleeve and checks are scanned. Forexample, a user could prompt the user to enter the amount of checknumber “1” (or “2”, or “3”). Numbers 620, 622, and 624 would then guidethe user as to which check to place in which portion of the sleeve.Moreover, when the image of the checks in the sleeve is processed,character recognition techniques could scan for numerals 620, 622, and624, and for the checks next to those numerals, so that the images ofchecks can be matched with the amounts entered by the user.

Sleeve 600 may also have a barcode 626 imprinted thereon. As anotherexample, there could be multiple barcodes 626—e.g., one barcode next toeach area into which a check may be inserted. Barcode 626 could encodeany type of information. For example, barcode 626 could be a code thatenables a given financial institution to recognize its own sleeve, andverify that the customer is using a sleeve provided by that particularfinancial institution as opposed to a sleeve provided by a differentfinancial institution. As another example, a financial institution mayprovide various different sleeves (e.g., sleeves for different sizedchecks, sleeves with different types of line markings, sleeves withdifferent luminescence properties, etc.), and barcode 626 could be usedto assist the processing of the image that results from scanning checkspositioned in the sleeve. For example, if one sleeve has particular linemarkings or particular luminescence properties, barcode 626 couldindicate those properties so that the image processing techniques can betuned for use with the particular sleeve being used. As another example,each customer of a financial institution can be provide with one or moresleeves that are customized for that customer, and barcode 626 mayencode the customer's account number, customer number, or otheridentifying information. If barcode 626 encodes the customer's accountnumber or customer number, that information may be used to determine theaccount to which a check is to be deposited. Barcode 626 may also encodecertain security techniques, such as digital signatures, to deteragainst counterfeit sleeves and/or counterfeit barcodes. Barcode 626 mayuse any format. For example, barcode 626 could be a line format, such ascode 39, or a two-dimensional format, such as data matrix. There can bedifferent barcodes for different sides of a sleeve. These barcodes couldbe used to determine which side of the sleeve is being scanned, and todistinguish one side of a sleeve from another. As another example, thebarcode can be used to orient the angle of a scanned sheet—e.g., bydetecting the skew of the lines or boundaries of the code, andcorrecting for the detected angle.

FIG. 7 shows another example sleeve 700. Sleeve 700 has areas 702, 704,706 in which checks may be placed. The portion 708 of sleeve 700 that isoutside of areas 702, 704, and 706 has an opaque or otherwise darkbackground. This dark background creates contrast with any checks thatmay be placed in areas 702, 704, and 706. If a flap (such as the flapspreviously discussed) is used on the back of sleeve 700 to hold a checkin place, the flap may be made of the same sort of opaque or darkmaterial. A check, if present in an area of the sleeve, would cover theopaque or dark flap with material that is, by contrast, lighter incolor, so the presence of a check can be detected based on where thelight and dark areas appear in an image of the sleeve.

When a dark or opaque background is used, one way to detect the bordersof a check is to convolve the image of the checks in the sleeve using afilter. The following is an example code fragment that can be used toperform the convolve operation, where the data array represents thefiltering constants:

public static PlanarImage virtualEdgeEnhance(PlanarImage img)

-   -   {        -   float data[ ]=        -   {        -   0.7f, 1f, −1.3f, 1f, 0.7f,        -   0f, −1.3f, −2f, −1.3f, 0f,        -   −1.3f, −2f, 35f, −2f, −1.3f,        -   0f, −1.3f, −2f, −1.3f, 0f,        -   0.7f, 1f, −1.3f, 1f, 0.7f        -   };        -   KernelJAI kernel=new KernelJAI(new Kernel(5, 5, data));        -   //Create the convolve operation.        -   PlanarImage temp=JAI.create(“convolve”, img, kernel);        -   return temp;    -   }        When this filter is used, the check images will be mostly        reduced to white data.

It is also possible to apply a threshold stage before the filter usingan operation described by the following code fragment:

Histogram histogram=(Histogram) JAI.create(“histogram”,front).getProperty(“histogram”);

-   -   double[ ] front_low=histogram.getLowValue( )    -   double low[ ]={front_low[0]};    -   double high[ ]={histogram.getMinFuzzinessThreshold( )[0]};    -   double[ ] map_front={0};    -   front=threshold(front, low, high, map_front);    -   front=virtualEdgeEnhance(front);

public static BufferedImage threshold(BufferedImage src, double[ ] low,

-   -   double[ ] high, double[ ] map) {    -   //http://java.sun.com/products/java-    -   //media/jai/forDevelopers/jai1_(—)0_(—)1guide-unc/Analysis.doc.html#54907        -   //Set up the operation parameters.        -   //PlanarImage src, dst;        -   //Integer [ ] low, high, map;        -   //int bands=0;        -   ParameterBlock pb=new ParameterBlock( )        -   pb.addSource(src);        -   pb.add(low);        -   pb.add(high);        -   pb.add(map);        -   PlanarImage dst=JAI.create(“threshold”, pb, null);        -   return dst.getAsBufferedImage( );

}

When this threshold is applied before the convolve operation describedpreviously, the edges of a check may appear more clear or well-definedthan without the threshold operation, although edge detection can beperformed with or without the threshold. Additionally, the convolveoperation described previously can also be performed with the “data”variable set to contain the following filter constants in place of thosepreviously shown:

-   -   float data[ ]=        -   {        -   0.7f, 0.7f, −1.5f, 0.7f, 0.7f,        -   0f, 40.0f, −20f, 40.0f, 0f,        -   −1.3f, −20f, 20f, −20f, −1.3f,        -   0f, 40.0f, −20f, 40.0f, 0f,        -   0.7f, 0.7f, −1.5f, 2f, 0.7f        -   };            The filtering values have been determined experimentally to            give good contrast between a check and a background, when            applied to a sleeve such as that shown in FIG. 7.

Additionally, an image of a check can be evaluated to identify a cornerof the check. When the image of the check has been process to enhancethe contrast between the check and non-check regions of the image. Ahorizontal line of the image can be scanned horizontally to determinethe boundary, at that horizontal line, between the check and non-checkregion. Then, the scan can move vertically to another horizontal line,and the new line can be scanned in order to determine where the boundaryof the check is. The boundary occurs at some horizontal (x dimension)position along the horizontal line being scanned, and this difference inthis horizontal position from line to line can be referred to as deltax. When delta x from one line to another increases markedly, it can bepresumed that the increase occurs in a corner region, since the changein the horizontal position of the boundary is likely to be relativelysmooth until a corner is reached. In one example, the image may bewarped to make it appear flat prior to corner detection. For example,the image may have been captured with a camera, or some device that doesnot employ a flatbed, and the warping may be performed to correct theangle at which the image was collected. The warping may spread outcolors, making them appear lighter, and some form of color correctionmay be used.

FIG. 8 shows an example sleeve 800 that can be used for checks that aresized differently from personal checks. Many types of checks, such asbusiness checks, cashier's checks, teller's checks, etc., tend to beprinted on different size paper than are normal personal checks, andthese checks may not fit in the three-on-a-page portrait configurationshown in other figures and discussed previously. In the example of FIG.8 areas 802 and 804 are arranged two on a page in landscape orientationto accommodate a larger check. A sleeve whose check areas are arrangedin this manner may be combined with any of the techniques discussedabove—e.g., flaps, corners, opaque or dark background, barcodes, linemarkings, etc. While check areas 802 and 804 may accommodate a checkthat is larger than a personal check, it should be noted that manybusiness or bank checks are of different sizes from each other, andthere may be issues as to the design of a check sleeve for checks whosesize is unknown. For example, as previously discussed, the material ofwhich a sheet is made may be cut out in the places expected for the MICRline and/or the numerical amount of a check. When the check's size isunknown, these areas may be made larger to accommodate various sized ofchecks, or other mechanisms may be used to hold a check in place suchthat the MICR line or the amount of the check is exposed through thedesignated area.

It should also be noted that, to the extent that an individual area of acheck sleeve may or may not have a check placed in that area, a checksleeve can be configured that assists in determining whether a check hasbeen placed within a particular area of the sleeve. For example, if thecheck sleeve is made of a transparent or semi-transparent material, thenan area that is configured to hold a check but is empty would show ablank background when the sleeve is captured with a scanner. Such ablank background may appear as a form of noise with a high level ofentropy—which would be relatively higher than an image that displayssome amount of organization, such as that of a check. Thus, by comparingthe entropy in a given area on an image of the sleeve with the expectedlevel of entropy in a check image, the presence or absence of a check ina given area of the sleeve can be detected.

An image of a sleeve may be collected that is skewed at some angle, andthe image of the sleeve may be oriented in order to properly interpretthe images of the checks in the sleeve. As previously described inconnection with FIG. 6, line markings may be printed on a sleeve whichmay be used to orient an image of a sleeve. FIG. 9 shows an examplealgorithm that uses markings shown in FIG. 6 to orient a sleeve.

At 902, an attempt is made to identify two points on the top of a thickhorizontal line marking, such as marking 608 (shown in FIG. 6). Oneissue that arises in looking for these points is that any individualpoint, when taken in isolation, might be interpreted as noise. However,a point on the top of the line marking can be distinguished from randomnoise that happens to be the same color as the line marking by probingsome number of pixels deep into the line (e.g., ten pixels) to determineif the expected color of the line marking continues to appear whenprobed ten pixels deep. Thus, if the image is examined from the top downand a point is encountered that appears to be the color of the linemarking, then examination can continue downward. If the color continuesto appear in the next several (e.g., ten) pixels examined, then it canbe assumed that the initially discovered point was a point on the top ofthe horizontal line marking.

If two points on the top of the horizontal line marking were found (asdetermined at 904), then these two points define a skew angle that canbe solved for. In this case, the two points are used to solve for theskew angle (at 906), which provides the orientation of the page.

If two points on the top of the horizontal line marking could not beidentified, then the process continues to 908. At 908, an attempt ismade to identify the tops and bottoms of the vertical line markings(e.g., line markings 612 and 613, shown in FIG. 6). If the top andbottom of one of the lines is found, then the positions of the top andbottom define a skew angle. Moreover, since the relative positions andlengths of line markings 612 and 613 is known, finding any two points(e.g., the top of one line and the bottom of another) would define anangle that could be solved for. Of the four points being searched for(the top and bottom of each of two lines), if any two of these pointscan be identified (as determined at 910), then the skew angle is solvedfor at 912.

If two points are not identified, then the thin horizontal line markings(e.g., markings 614, 616, and 618, shown in FIG. 6) are found (at 914).Points on these lines can be found, and using the found points, therelationship of the points to each other, and the known positions of theline markings, an angle can be solved for.

A reason to capture check images using the check sleeves describedherein is to present images of the checks for payment. Developments inlaw and technology (e.g., the Check-21 law) make it possible to presentan image of a check for payment in place of a physical paper check. FIG.10 shows an example process of capturing and presenting an image of acheck for payment.

At 1002, images are captured of the front and back of one or more checksin a sleeve. At 1004, the captured images are processed to identifywhich portion(s) of the images represent the check. The process ofdetermining which portions of the check represent the image may includesub-processes, such as the orientation process previously described inconnection with FIG. 11, or a process of finding an edge of a checkimage based on convolution and filtering.

At 1006, the individual check images may be processed in order toprepare them for electronic presentment. For example, any wrappers,headers, or markings, to be applied to an image, or any re-sizing orformat adjustment that may be expected for presentment of a check image,can be performed at this time.

At 1008, the check images are presented for payment through a bankingsystem—e.g., through a branch of the Federal Reserve Bank, or acommercial clearinghouse.

The subject matter described herein may be implemented through the useof a computer system, or other type of device that has some computingmechanism(s). FIG. 11 shows an example computing environment in whichexample embodiments and aspects may be implemented. The computing systemenvironment is only one example of a suitable computing environment andis not intended to suggest any limitation as to the scope of use orfunctionality.

Numerous other general purpose or special purpose computing systemenvironments or configurations may be used. Examples of well knowncomputing systems, environments, and/or configurations that may besuitable for use include, but are not limited to, personal computers(PCs), server computers, handheld or laptop devices, multiprocessorsystems, microprocessor-based systems, network PCs, minicomputers,mainframe computers, embedded systems, distributed computingenvironments that include any of the previously-described systems ordevices, and the like.

Computer-executable instructions, such as program modules, beingexecuted by a computer may be used. Generally, program modules includeroutines, programs, objects, components, data structures, etc., thatperform particular tasks or implement particular abstract data types.Distributed computing environments may be used where tasks are performedby remote processing devices that are linked through a communicationsnetwork or other data transmission medium. In a distributed computingenvironment, program modules and other data may be located in both localand remote computer storage media including memory storage devices.

With reference to FIG. 11, an example system for implementing aspectsdescribed herein includes a computing device, such as computing device1100. In its most basic configuration, computing device 1100 typicallyincludes at least one processing unit 1102 and memory 1104. Depending onthe exact configuration and type of computing device, memory 1104 may bevolatile (such as random access memory (RAM)), non-volatile (such asread-only memory (ROM), flash memory, etc.), or some combination of thetwo. This most basic configuration is illustrated in FIG. 11 by dashedline 1106.

Computing device 1100 may have additional features/functionality. Forexample, computing device 1100 may include additional storage (removableand/or non-removable) including, but not limited to, magnetic or opticaldisks or tape. Such additional storage is illustrated in FIG. 11 byremovable storage 1108 and non-removable storage 1110.

Computing device 1100 typically includes a variety of computer readablemedia. Computer readable media can be any available media that can beaccessed by computing device 1100 and includes both volatile andnon-volatile media, removable and non-removable media. By way ofexample, and not limitation, computer readable media may comprisecomputer storage media and communication media.

Computer storage media includes volatile and non-volatile, removable andnon-removable media implemented in any method or technology for storageof information such as computer readable instructions, data structures,program modules or other data. Memory 1104, removable storage 1108, andnon-removable storage 1110 are all examples of computer storage media.Computer storage media includes, but is not limited to, RAM, ROM,electrically erasable programmable read-only memory (EEPROM), flashmemory or other memory technology, CD-ROM, digital versatile disks (DVD)or other optical storage, magnetic cassettes, magnetic tape, magneticdisk storage or other magnetic storage devices, or any other mediumwhich can be used to store the desired information and which canaccessed by computing device 1100. Any such computer storage media maybe part of computing device 1100.

Computing device 1100 may also contain communications connection(s) 1112that allow the device to communicate with other devices. Communicationsconnection(s) 1112 is an example of communication media. Communicationmedia typically embodies computer readable instructions, datastructures, program modules or other data in a modulated data signalsuch as a carrier wave or other transport mechanism and includes anyinformation delivery media. The term “modulated data signal” means asignal that has one or more of its characteristics set or changed insuch a manner as to encode information in the signal. By way of example,and not limitation, communication media includes wired media such as awired network or direct-wired connection, and wireless media such asacoustic, radio frequency (RF), infrared and other wireless media. Theterm computer readable media as used herein includes both storage mediaand communication media.

Computing device 1100 may also have input device(s) 1114 such askeyboard, mouse, pen, voice input device, touch input device, etc.Output device(s) 1116 such as a display, speakers, printer, etc. mayalso be included. All these devices are well known in the art and neednot be discussed at length here.

It should be understood that the various techniques described herein maybe implemented in connection with hardware or software or, whereappropriate, with a combination of both. Thus, the methods and apparatusof the presently disclosed subject matter, or certain aspects orportions thereof, may take the form of program code (i.e., instructions)embodied in tangible media, such as floppy diskettes, CD-ROMs, harddrives, or any other machine-readable storage medium wherein, when theprogram code is loaded into and executed by a machine, such as acomputer, the machine becomes an apparatus for practicing the presentlydisclosed subject matter. In the case of program code execution onprogrammable computers, the computing device generally includes aprocessor, a storage medium readable by the processor (includingvolatile and non-volatile memory and/or storage elements), at least oneinput device, and at least one output device. One or more programs mayimplement or utilize the processes described in connection with thepresently disclosed subject matter, e.g., through the use of an API,reusable controls, or the like. Such programs are preferably implementedin a high level procedural or object oriented programming language tocommunicate with a computer system. However, the program(s) can beimplemented in assembly or machine language, if desired. In any case,the language may be a compiled or interpreted language, and combinedwith hardware implementations.

Although example embodiments may refer to utilizing aspects of thepresently disclosed subject matter in the context of one or morestand-alone computer systems, the subject matter is not so limited, butrather may be implemented in connection with any computing environment,such as a network or distributed computing environment. Still further,aspects of the presently disclosed subject matter may be implemented inor across a plurality of processing chips or devices, and storage maysimilarly be effected across a plurality of devices. Such devices mightinclude personal computers, network servers, and handheld devices, forexample.

Although the subject matter has been described in language specific tostructural features and/or methodological acts, it is to be understoodthat the subject matter defined in the appended claims is notnecessarily limited to the specific features or acts describedpreviously. Rather, the specific features and acts described previouslyare disclosed as example forms of implementing the claims.

1. A system for obtaining an image of a check, the system comprising: amemory; a processor disposed in communication with said memory, andconfigured to issue a plurality of processing instructions stored in thememory, wherein the processor issues instructions to: receive a firstimage of a first side of a sleeve that holds the check, said sleevehaving a first barcode printed on said first side; receive a secondimage of a second side of said sleeve, said sleeve having a secondbarcode printed on said second side; distinguish said first image ofsaid first side from said second image of said second side based on saidsecond barcode; obtain information from said first barcode to directdeposit of said check; and present the obtained information, said firstimage and said second image to a banking system for depositing thecheck.
 2. The system of claim 1, wherein said first barcode encodes anaccount number of a depositor, and wherein the processor further issuesinstructions to: use said first barcode to determine an account intowhich to deposit the check.
 3. The system of claim 1, wherein said firstbarcode encodes a customer number of a depositor, and wherein theprocessor further issues instructions to: use said first barcode todetermine that the check is to be deposited to an account associatedwith said depositor.
 4. The system of claim 1, wherein said firstbarcode comprises a two-dimensional data matrix code.
 5. The system ofclaim 1, wherein the processor further issues instructions to: use saidfirst barcode to determine an orientation of said first image.
 6. Thesystem of claim 1, wherein the processor further issues instructions to:use said first barcode to determine a location of the check in saidimage.
 7. A processor-implemented method of obtaining an image of acheck, the method comprising: receiving a first image of a first side ofa sleeve that holds the check, said sleeve having a first barcodeprinted on said first side; receiving a second image of a second side ofsaid sleeve, said sleeve having a second barcode printed on said secondside; distinguishing said first image of said first side from saidsecond image of said second side based on said second barcode; obtaininginformation from said first barcode to direct deposit of said check; andpresenting the obtained information, said first image and said secondimage to a banking system for depositing the check.
 8. The method ofclaim 7, wherein said first barcode encodes an account number of adepositor, and wherein the method further comprises: using said firstbarcode to determine an account into which to deposit the check.
 9. Themethod of claim 7, wherein said first barcode encodes a customer numberof a depositor, and wherein the method further comprises: using saidfirst barcode to determine that the check is to be deposited to anaccount associated with said depositor.
 10. The method of claim 7,wherein said first barcode comprises a two-dimensional data matrix code.11. The method of claim 7, further comprising: using said first barcodeto determine an orientation of said first page.
 12. The method of claim7, further comprising: using said first barcode to determine a locationof the check in said image.
 13. A computer-readable medium comprisingcomputer-readable instructions for obtaining an image of a check, thecomputer-readable instructions comprising instructions that: receive afirst image of a first side of a sleeve that holds the check, saidsleeve having a first barcode printed on said first side; receive asecond image of a second side of said sleeve, said sleeve having asecond barcode printed on said second side; distinguish said first imageof said first side from said second image of said second side based onsaid second barcode; obtain information from said first barcode todirect deposit of said check; and present the obtained information, saidfirst image and said second image to a banking system for depositing thecheck.
 14. The computer-readable medium of claim 13, wherein said firstbarcode encodes an account number of a depositor, and wherein thecomputer-readable instructions further comprise instructions that: usesaid first barcode to determine an account into which to deposit thecheck.
 15. The computer-readable medium of claim 13, wherein said firstbarcode encodes a customer number of a depositor, and wherein thecomputer-readable instructions further comprise instructions that: usesaid first barcode to determine that the check is to be deposited to anaccount associated with said depositor.
 16. The computer-readable mediumof claim 13, wherein said first barcode comprises a two-dimensional datamatrix code.
 17. The computer-readable medium of claim 13, wherein thecomputer-readable instructions further comprise instructions that: usesaid first barcode to determine an orientation of said first page. 18.The computer-readable medium of claim 13, wherein the computer-readableinstructions further comprise instructions that: use said first barcodeto determine a location of the check in said image.